The original instrument and the following digest, which constitutes no part of the
legislative instrument, were prepared by Thomas L. Tyler.
DIGEST
SB 119 Original 2022 Regular Session Talbot
Proposed law requires the commissioner of insurance to publish a catastrophe claims consumer guide
that informs policyholders of the property insurance claims adjustment and payment process.
Proposed law requires that the catastrophe claims consumer guide include all of the following items:
(1)The determination of coverages available under a property policy.
(2)The calculation of policy deductibles.
(3)An explanation of actual cash value and replacement cost value.
(4)Policyholder duties in the adjustment and settlement of a claim including the documentation
necessary for a satisfactory proof of loss.
(5)The supplemental claims process.
(6)The process for filing of a complaint with the commissioner if there is any dissatisfaction
with the claim adjustment and payment process.
(7)Policyholder rights and protections.
(8)Any other information determined by the commissioner to be beneficial to the policyholder.
Proposed law requires every insurer receiving a property insurance claim arising out of a state of
disaster or emergency declared by the governor to provide each claimant with the catastrophe claims
consumer guide no later than the initial investigation of a claim by an adjuster.
Proposed law is not to be construed to create or imply a private cause of action nor shall it be
construed to curtail a private cause of action that otherwise exists in the absence of proposed law.
Effective January 1, 2023.
(Adds R.S. 22:1897)